Mobile Banking

Mobile Banking

Get 24/7 account access with your web-enabled phone. The Summit’s Mobile Banking is a free service that allows you to access your account information and conduct transfers, plus pay and manage your bill payments from any mobile device that can access the Internet1.

You will need:

Your Summit Online Access username and password or your account number and temporary Personal Identification Number (PIN) provided by The Summit at the time of account opening.

Any mobile device that has web browsing capabilities and can access the Internet.

Mobile Apps

If you own a smartphone or tablet with internet access, you can download our free Mobile Banking App. Access your account information, transfer funds and pay your bills2 right on your iOS® or Android® device.

Download now:

Use your mobile phone or tablet to download our Mobile App from the iTunes App Store or Android Marketplace. Once the app is downloaded, log in with the same user ID and password that you use for Summit Online Access, and you can start accessing your accounts immediately.

The details:

When you select an account name on the Accounts tab, the last 30 days of transactions are displayed. Scroll down to see all of your transactions. Select the View More Transactions button to view additional transactions. You can also pay bills, schedule transfers and find the closest ATM or branch with The Summit Mobile App.

Have our Visa® Platinum or Signature Credit Card?

As points add up, use the CURewards app to redeem for cash, gift cards, travel, merchandise, and more.

Text Message Banking

The fastest way to get your Summit account information when you’re on the go!

As long as you have text messaging enabled with your mobile carrier, you’ll have instant account access from your phone with our Text Message Banking service. The service is free and supported on all major mobile providers in the U.S.3

Activate now

Visit the Alerts & Notifications tab under Additional Services within Summit Online Access to enroll your mobile phone. During the setup process, we send you a text message with your activation code. Verifying your phone is a one-time step that takes just a few minutes, and is one way we ensure the security of mobile text messaging. Once your phone is verified, simply send a command to 454545 and we’ll respond with your account information within seconds!

BAL – Get balance on your primary account

BAL ALL – Get balance on all your Summit accounts

BAL CHK – Get balance on your checking account

BAL SAV – Get balance on your savings account

LAST – View your last five transactions on your primary account

TRANS – Transfer funds to your primary account

HELP – Request help on commands for text message banking

STOP – Deactivate text message banking service

Your Security

Our Mobile Banking, Mobile App, and Text Message Banking are secure services for all Summit members. To protect your privacy, we require you to authenticate yourself, using the same information from Summit Online Access, on each individual mobile device. All communication between your mobile device, wireless provider, and the mobile banking server are encrypted.

In addition, your passwords and account information are never stored by the mobile device or in the Mobile Banking application. Text messages will never contain your personal information (social security number, full account numbers, etc.). Our Mobile Banking capabilities are safe and secure.

1 Summit Mobile Banking is available only with a Summit FCU Account. Your mobile carrier’s text messaging and data charges may apply.

2 This feature is enabled for members that have previously signed up for Bill Pay through Summit Online Access and have at least one payee set up in the system.

3 We won’t charge you; however, standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren’t sure what fees apply when you send and receive text messages.

iPhone, iPod touch and iPad are registered trademarks of Apple Inc. Android is a trademark of Google Inc.

Quick Balance

Quick Balance allows you to quickly access your account balances and recent transactions without the hassle of logging into the app. With Quick Balance, you can always stay on top of your financial status. Before you can take advantage of this new feature you will need to enable it in The Summit Mobile App.

To Enable Quick Balance:

Log in to TheSummit Mobile App

Go to More (located in the bottom right corner)

Select Settings and then Quick Balance

Select Current Device and turn on Quick Balance for that mobile device

To check balances or transactions, simply swipe down anywhere in the login area. It’s that easy!

Popmoney Mobile®

Sending money is as easy as sending an email or text message. You can transfer funds directly to just about anyone, with no need to write a check, exchange account numbers or carry cash.

It’s similar to sending money through PayPal using an email address. But Popmoney has the added convenience of being right inside your password-protected Summit online account.

It’s simple to get started:

Log in to TheSummit Mobile App

Click on More

Click on Popmoney

Click on Enroll Now – To pay someone, all you need is their mobile number or email address

Accept the Disclosure and get started!

Please note: You can also request money when you access Popmoney through your online account.

Apple Pay™

The easy, safe, and private way to pay is now available on your Summit Visa® Debit and Credit Card1.

Pay with One Touch and Pay with Peace of Mind are subordinate to Apple Pay

Pay with One Touch

Use Apple Pay and your favorite Summit Visa Card to pay the easy, secure, and private way at hundreds of thousands of stores and participating apps. To see a complete list of participating stores and online apps, visit https://www.apple.com/apple-pay/.

Pay with Peace of Mind

Apple Pay transactions are authorized with TouchID™ thumbprint security or your passcode, and your card number is never used for transactions. Face ID™ may also be available depending on the version of your iPhone.

Make sure your Apple device (iPhone, iPad, or Apple Watch®) is on the latest operating system.

Get Started with Apple Pay

Step 1: Load your card
Open Apple Wallet and follow the on-screen directions and either take a picture of your card to add it to Wallet or enter it manually.

Step 2: Verify your card
You may receive a message saying that your card has been verified or you may be asked for additional verification. If you receive a message asking you to verify your card, please contact our Member Service Center at (585) 453-7030 or (800) 836-7328 extension 7030 and we will walk you through the rest of the registration process.

Step 3: That’s it!
After your card is verified, you can start using Apple Pay!

1 Apple, the Apple logo, Apple Wallet, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Touch ID, and Face ID are trademarks of Apple Inc. View the Apple Pay Terms and Conditions.

Mobile Check Deposit - with your Summit Mobile App

Depositing checks at The Summit just got easier with our free Mobile Check Deposit service1. Just sign and notate Mobile Check Deposit on the back of your check, snap a photo with your smartphone or tablet, and submit it. It’s that fast and easy!

Sign on to your account on The Summit Mobile App using your Summit Online Access username and password3. (Note: You are only able to make a deposit into the account you are currently logged in to)

Follow the step-by-step instructions that appear on your screen.

What you need to know:

You need to qualify for Mobile Check Deposit:

Members with a share account balance greater than negative $530.00

Members that are eligible for Courtesy Pay

Members that are not past fifteen (15) days delinquent on any Credit Union loan or obligation

There is a separate Check Hold Policy:

Up to $300 of your deposit will be available immediately and the remainder of your funds will be on hold for 4 business days. For accounts opened less than 60 days and/or under 18, no funds available until 4th business day.

Holds will apply to ALL check types, including but not limited to payroll, government and certified checks. This is because the Mobile Check Deposit service does not recognize specific types of checks. If you need the funds immediately we suggest going to your local Summit branch or Co-Op Shared Branch.

1 The Summit does not charge a fee for Mobile Check Deposit. You must first be enrolled in Mobile Banking to use Mobile Check Deposit. Mobile Check Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply. For more information please view the Mobile Check Deposit Disclosure and Agreement.

2 Mobile Banking is a free service available only with a Summit FCU Account. Your mobile carrier’s text messaging and data charges may apply.

3 Log in with the same user ID and password you use for Summit Online Access. Not signed up for Online Access yet? Visit our homepage to register today.

Face ID

Members with new iPhone devices, that have not logged into Mobile Banking previously, will be prompted to enroll in Face ID. All devices that support Face ID will be able to use this feature.

Partner Site Disclaimer

By accessing this link you will be leaving The Summit Federal Credit Union’s website and entering a website hosted by a third party vendor. The Summit has contracted with this third party vendor to provide you with certain services. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of The Summit. If you choose to conduct business here, you will be conducting business with the third party vendor’s website.

Online Access Login

Get Started with Online Access

Make a one-time loan payment from another financial institution

Third Party Site Disclaimer

By accessing this link you will be leaving The Summit Federal Credit Union’s website and entering a website hosted by another party. The Summit is not responsible for its products, services, or overall website content. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of The Summit. If you choose to conduct business here, you will be conducting business with another party’s website.